Comparing the Cheapest Hapeville Car Insurance

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other Georgia drivers. Big companies like GEICO and Progressive constantly bombard you with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices before your policy renews because rates are constantly changing. Just because you found the best rates last year the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance on the web, but I'm going to show you some great ways to save money.

If you have a policy now or need new coverage, you can follow these tips to find better prices and still get good coverage. Finding the best rates in Hapeville is not that difficult. Georgia consumers only need to know the most effective way to buy car insurance on the web.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known car insurance savings. If you aren't receiving every discount available, you're paying more than you need to.

New Car Discount - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
No Accidents - Claim-free drivers pay less as compared to bad drivers.
Memberships - Belonging to a civic or occupational organization could qualify you for a break on car insurance.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
One Accident Forgiven - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you won't be that lucky.

To see a list of companies with discount car insurance rates in Hapeville, follow this link.

Comparison of Car Insurance in Hapeville

Most companies provide coverage prices on their websites. The process is quite simple as you just type in as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and gives you a price quote. Online quotes helps simplify price comparisons, but the process of having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find the best price on car insurance.

The preferred way to lower your car insurance bill utilizes a single form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online quotes much easier to do. After sending your information, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you type in coverages and limits as close as possible to your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Shown below are some of the items car insurance companies consider when setting rates.

Rate your vehicle for proper use - The higher the mileage driven every year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle.
Do you work long hours in a high stress job? - Jobs such as real estate brokers, architects and dentists tend to have the highest average rates because of high stress levels and long work days. Other occupations such as farmers, historians and retirees receive lower rates.
Don't skimp on liability - Your policy's liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Claim-free discounts can add up - If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Georgia provide cheaper rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
How's your driving record? - Your driving citation history has a huge affect on how much you pay. Careful drivers have lower premiums than their less careful counterparts. Just one moving violation can boost insurance rates by twenty percent. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
Males pay more for insurance - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are worse drivers. Both sexes are in accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.
Bundling policies can get discounts - Some companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to compare rates to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
Marriage pays dividends - Getting married helps lower the price when buying car insurance. It means you're more responsible and it's proven that drivers who are married are more cautious.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers can't get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you change to their company.

How can each company make the same claim?

Insurance companies can use profiling for the driver that is profitable for them. A good example of a desirable insured could be a mature driver, is a homeowner, and has great credit. A customer who fits that profile will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money which usually ends up with business going elsewhere. The ads state "customers that switch" not "everybody who quotes" save that much. That's why companies can truthfully advertise the savings. Because of the profiling, drivers must get quotes from several different companies. Because you never know the company that will give you the biggest savings.

Best coverage at the best price

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.

The cheapest car insurance can be sourced from both online companies and also from your neighborhood Hapeville agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Learn more today

Even more information can be read at the Georgia Insurance and Safety Fire Commissioner website. Consumers can file complaints about an insurance agent or broker, read industry bulletins, find out which companies have the most complaints, and download brochures.